Wondering if your retirement portfolio is really performing well? In this episode of Your Retirement Planning Simplified, Joe Curry explains why comparing your portfolio to indexes like the TSX or S&P 500 can be misleading. Learn how to evaluate investment performance based on your personal goals, asset mix, and income needs — not on market headlines.

 

Key Takeaways from this Episode 

Stop Comparing to the TSX. Your retirement portfolio is designed for stability and income, not for competing with stock indexes built for accumulation.

Diversification Is the Real Benchmark. A well-structured retirement portfolio should include Canadian, U.S., international, and fixed-income holdings — each with its own purpose.

Asset Allocation Should Reflect You. Your mix of stocks and bonds should align with your risk tolerance, income needs, and guaranteed income sources like CPP, OAS, or pensions.

Evidence Beats Guesswork. Research like the SPIVA scorecard consistently shows that active managers rarely beat the market after fees — supporting an evidence-based approach.

Stay Focused on Purpose, Not Performance Chasing. Evaluate your portfolio by asking whether it's helping you meet your income goals and maintain peace of mind, not whether it's "winning" against the market.

 

Resources Mentioned in this Episode

SPIVA® Canada Scorecard (S&P Global)

Previous Episode of YRPS: The Bond Tent Strategy

 

Thank you for listening!

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ABOUT JOE  CURRY

Joseph Curry, also known as Joe, is the host of Your Retirement Planning Simplified, Canada's fastest-growing retirement planning podcast, where he provides accessible, in-depth financial advice. As the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario, he is committed to helping people secure both financial stability and purpose in retirement. His mission is to ensure people can sleep soundly knowing they have a solid plan in place, covering both financial and lifestyle aspects of retirement. A Certified Financial Planner and Certified Exit Planning Advisor, he values true wealth as more than money—it's about creating meaningful experiences with loved ones and fostering opportunities for the future. 

You can reach out to Joe through:

LinkedIn: https://www.linkedin.com/in/curryjoe

Website: 

https://www.retirementplanningsimplified.ca/

https://matthewsandassociates.ca/ 

https://www.facebook.com/RetirementPlanningSimplified/

 

ABOUT RETIREMENT PLANNING SIMPLIFIED

Founded in 2022, its mission is to empower people to plan for retirement confidently, focusing not only on finances but also on a meaningful life. RPS wants everyone to have access to simple, reliable tools that reflect their values and priorities, helping them create True Wealth—the freedom to do what they love with those they love. By simplifying retirement planning and aligning it with the retiree's purpose, RPS aims to support building a retirement that feels fulfilling and secure.

To know more about RPS you can visit the links below:

• LinkedIn: https://www.linkedin.com/company/retirement-planning-simplified/

• Instagram: https://www.instagram.com/retirement_planning_simplified

• Podcast/Blog: https://www.retirementplanningsimplified.ca/blog

• Youtube: https://www.youtube.com/@retirementplanningsimplified

     

DISCLAIMER

Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.